Cass Commercial Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 24.52 percentage points lower than in Q1 2026, at 2.27%. Within Missouri, Cass Commercial Bank is 48th of 192 on loan-to-deposit ratio, 94.32% as of Q2 2026, above the middle of the field. Cass Commercial Bank reported 94.32% on loan-to-deposit ratio for Q2 2026, 6.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $212.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $269.1M |
| Fed funds sold and reverse repos | $6.0M |
| Fed funds sold and reverse repos to assets | 0.45% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.32% |
| Net loans and leases to deposits | 93.08% |
| Loans and leases to core deposits | 97.23% |
| Core deposits to total deposits | 97.02% |
| Brokered deposits to total deposits | 2.27% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.13% | 98.40% | $0 | $0 |
| Q4 2023 | 71.27% | 98.27% | $0 | $0 |
| Q1 2024 | 83.78% | 98.04% | $0 | $0 |
| Q2 2024 | 89.97% | 97.88% | $0 | $0 |
| Q3 2024 | 90.56% | 98.00% | $0 | $0 |
| Q4 2024 | 83.51% | 98.24% | $0 | $0 |
| Q1 2025 | 94.35% | 98.13% | $0 | $0 |
| Q2 2025 | 95.38% | 97.98% | $0 | $0 |
| Q3 2025 | 93.08% | 97.74% | $0 | $0 |
| Q4 2025 | 82.80% | 97.94% | $0 | $0 |
| Q1 2026 | 93.44% | 97.00% | $0 | $0 |
| Q2 2026 | 94.32% | 97.02% | $0 | $0 |
Cass Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cass Commercial Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cass Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1068) · FFIEC NIC profile (RSSD 177751)